Personal Banker
What's it like to be a Personal Banker?
A Personal Banker is employed by retail banks to handle the personal finances of customers. Personal Bankers are in charge of a client’s financial records, accounts, and investment portfolios. Personal Bankers advise the client on financial assets, risks, and opportunities. Customer service, analytical, and sales skills are key for the role. Personal Bankers are often responsible for recommending the financial products of a retail bank to target customers.
Tasks and duties
- Opening and closing savings, checkings and investment accounts for customers.
- Managing customer bank account transactions.
- Pitching a bank’s financial products to customers.
- Answering bank inquiries and resolving transaction disputes.
- Recommending financial specialists to consult with customers.
- Maintaining and updating financial records.
How to become a Personal Banker
A bachelor degree and experience in banking are required to work as a Personal Banker. Most Personal Bankers have a licence or certification from a personal banker programme. Previous experience in sales and customer services in the financial sector would be an advantage.
Graduate with a bachelor degree in accounting, finance, economics, or another related field.
Complete an internship at a recognised retail bank.
Seek an entry-level job as a Bank Teller or Customer Service Representative.
Gain financial literacy and sales experience by getting a freelance financial planner job, attending personal finance seminars, or becoming an investor.
Consider taking a course in personal banking, such as the Personal Finance GROW (Graduate Rotations For Optimal Work-experience) Programme or Malaysia Personal Banker Associate Programme.
Pursue promotion to higher positions such as Branch Manager or Corporate Banker.
Consider specialising in a banking field by registering with the Asian Institute of Chartered Bankers (AICB) or Financial Planning Association of Malaysia (FPAM), or obtaining licensure as a Certified Public Accountant (CPA) or Certified Financial Planner (CFP).
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